{"id":5338,"date":"2019-09-30T14:10:03","date_gmt":"2019-09-30T14:10:03","guid":{"rendered":"http:\/\/www.networkportfolio.co.uk\/edwardsinsurance.co.uk\/?page_id=5338"},"modified":"2024-06-28T09:55:39","modified_gmt":"2024-06-28T09:55:39","slug":"private-roads-insurance","status":"publish","type":"page","link":"https:\/\/www.networkportfolio.co.uk\/edwardsinsurance.co.uk\/private-roads-insurance\/","title":{"rendered":"Private Roads Insurance"},"content":{"rendered":"","protected":false},"excerpt":{"rendered":"","protected":false},"author":18,"featured_media":5348,"parent":0,"menu_order":21,"comment_status":"closed","ping_status":"closed","template":"templates\/template-category.php","meta":[],"acf":{"bg":{"overlay_colour":"#000000","overlay_opacity":"0"},"content":{"text":"<p><span class=\"hero-heading\" style=\"color: #ffffff;\">Private Roads Insurance<\/span><\/p>\n<p><span class=\"sub-heading\" style=\"color: #ffffff;\">Dedicated protection for private road owners<\/span><\/p>\n","cta_1":{"text":"Get a quote ","link":"scroll-to-contact-form","page_link":null,"free_text_link":"","external_link":""},"cta_2":{"text":"","link":"none","page_link":null,"free_text_link":"","external_link":""}},"content_section_1":{"content":"<h2>Private Roads Insurance<\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"color: #f47f2b;\">Do you need Private Road Insurance?\u00a0 Private roads \u2013 also known as unadopted roads or shared access roads \u2013 and resident\u2019s land are usually jointly owned by the private individuals that reside on the road.\u00a0 Unlike public roads owned by the local authority, private roads are the responsibility of the owners. <\/span><\/p>\n<p>If you live on a shared access road, then it\u2019s up you to keep the road maintained. It\u2019s also important that you have adequate Unadopted Road insurance that takes into account your legal liability and property. Where a road belongs to a group of residents or an associated management company, it is common for them to form a resident\u2019s association to manage the road and land, and therefore take out collective Private Road Insurance cover.<\/p>\n<p>These kinds of roads are usually accessible by the public, which means that any incidents that may arise, such as a third-party injury, would have to be dealt with by you and any other owners of the land. Insurance for unadopted roads is key to protecting you and covering any unforeseeable indemnity claims. Our team of specialist will work with you to arrange a policy that is as bespoke as your private road.<\/p>\n","image":"https:\/\/www.networkportfolio.co.uk\/edwardsinsurance.co.uk\/wp-content\/uploads\/2019\/09\/edwards_house_bannerpsd.jpg"},"content_section_2":{"content":"<p><strong><span style=\"color: #f47f2b;\">Some of the things we will discuss with you are:<\/span> <\/strong><\/p>\n<ul>\n<li>Whether you are part of a group of residents managing the road<\/li>\n<li>If your private road has any property that you are responsible for, such as electric gates or barriers<\/li>\n<li>Private Road Liability Insurance<\/li>\n<li>Unadopted Road Indemnity Insurance<\/li>\n<li>Public Liability Insurance<\/li>\n<li>Directors\/Trustee and Employers Liability Insurance<\/li>\n<\/ul>\n<p><span style=\"color: #f47f2b;\"><strong>All policy holders at Edwards Insurance Brokers will benefit from:<\/strong><\/span><\/p>\n<ul>\n<li>A dedicated member of staff to manage their policy<\/li>\n<li>Our own in-house claims team to aid the claims process<\/li>\n<li>The knowledge that we are a Chartered Insurance Brokerage, meaning our expertise and ethical approach is guaranteed at all times<\/li>\n<\/ul>\n","add_cta_bar":true},"review_section":{"include_reviews":true},"faq_section":{"include_faqs":true,"faqs":[{"title":"Can we insure against our road wearing out?","content":"<p>Insurance is about risk. Wear and tear is not a risk but a certainty. So the answer is that insurance cannot help, but that you should build up funds gradually, over a period of time, to pay for resurfacing.<\/p>\n"},{"title":"We don't really have an association - just a fund to pay for maintenance. etc. Can we take out PRS insurance?","content":"<p>No. Associations must be &#8220;active&#8221;: residents must be taking decisions, and actions, collectively. If this is not the case, it is difficult to see how the association can fulfil the duty to make proper disclosure of risk or to comply with the obligation to minimise risk.<\/p>\n<p>However, we can consider this request under a different policy package so please contact us for further details.<\/p>\n"},{"title":"Can individuals join PRS and\/or take out PRS insurance?","content":"<p>The answer to this is no, the insurance scheme is for residents collectively, whether in the form of an association or a company (or, occasionally, some other form). The scheme can accommodate both small and large roads and estates, but there must be a residents\u2019 association or company in place in order to take out insurance.<\/p>\n<p>However, we can consider this request under a different policy package so please contact us for further details.<\/p>\n"},{"title":"Are we covered for holding street parties?","content":"<p>Insurers are happy with this activity, subject to risk assessments being conducted and that there is sufficient notice stating the road is in use.<\/p>\n"}]},"testimonials_section":{"include_testimonials":true},"contact_section":{"include_contact_forms":true},"sidebar":{"why_choose_us_element":{"image":"https:\/\/www.networkportfolio.co.uk\/edwardsinsurance.co.uk\/wp-content\/uploads\/2019\/10\/private-road-sidebar.jpg","content":"<h2><span class=\"section-heading\">Why choose Edwards?<\/span><\/h2>\n<p>We genuinely care about the organisations we are fortunate enough to call our clients, no matter how big or small. We are available 24\/7 for our clients. Throughout our history working in the industry we\u2019ve built our reputation on quality advice, and providing the highest level of service. As chartered brokers, we abide by the highest standards &#8211; time and time again.<\/p>\n"}},"category_teaser":{"image":{"ID":5696,"id":5696,"title":"Gated open entrance with road during golden autumn in rural countryside in Virginia estate with lanterns and cobblestone path street with trees","filename":"iStock-1127880186-scaled-e1574933612980.jpg","filesize":820604,"url":"https:\/\/www.networkportfolio.co.uk\/edwardsinsurance.co.uk\/wp-content\/uploads\/2019\/11\/iStock-1127880186-scaled-e1574933612980.jpg","link":"https:\/\/www.networkportfolio.co.uk\/edwardsinsurance.co.uk\/private-roads-insurance\/attachment\/gated-open-entrance-with-road-during-golden-autumn-in-rural-countryside-in-virginia-estate-with-lanterns-and-cobblestone-path-street-with-trees\/","alt":"","author":"1","description":"","caption":"Gated open entrance with road during golden autumn in rural countryside in Virginia estate with lanterns and cobblestone path street with trees","name":"gated-open-entrance-with-road-during-golden-autumn-in-rural-countryside-in-virginia-estate-with-lanterns-and-cobblestone-path-street-with-trees","status":"inherit","uploaded_to":5338,"date":"2019-11-28 09:32:53","modified":"2019-11-28 09:32:53","menu_order":0,"mime_type":"image\/jpeg","type":"image","subtype":"jpeg","icon":"https:\/\/www.networkportfolio.co.uk\/edwardsinsurance.co.uk\/wp-includes\/images\/media\/default.png","width":1920,"height":1282,"sizes":{"thumbnail":"https:\/\/www.networkportfolio.co.uk\/edwardsinsurance.co.uk\/wp-content\/uploads\/2019\/11\/iStock-1127880186-480x269.jpg","thumbnail-width":480,"thumbnail-height":269,"medium":"https:\/\/www.networkportfolio.co.uk\/edwardsinsurance.co.uk\/wp-content\/uploads\/2019\/11\/iStock-1127880186-768x431.jpg","medium-width":768,"medium-height":431,"medium_large":"https:\/\/www.networkportfolio.co.uk\/edwardsinsurance.co.uk\/wp-content\/uploads\/2019\/11\/iStock-1127880186-768x513.jpg","medium_large-width":768,"medium_large-height":513,"large":"https:\/\/www.networkportfolio.co.uk\/edwardsinsurance.co.uk\/wp-content\/uploads\/2019\/11\/iStock-1127880186-1024x575.jpg","large-width":1024,"large-height":575,"1536x1536":"https:\/\/www.networkportfolio.co.uk\/edwardsinsurance.co.uk\/wp-content\/uploads\/2019\/11\/iStock-1127880186-1536x1025.jpg","1536x1536-width":1536,"1536x1536-height":1025,"2048x2048":"https:\/\/www.networkportfolio.co.uk\/edwardsinsurance.co.uk\/wp-content\/uploads\/2019\/11\/iStock-1127880186-2048x1367.jpg","2048x2048-width":2048,"2048x2048-height":1367,"alm-thumbnail":"https:\/\/www.networkportfolio.co.uk\/edwardsinsurance.co.uk\/wp-content\/uploads\/2019\/11\/iStock-1127880186-150x150.jpg","alm-thumbnail-width":150,"alm-thumbnail-height":150,"teaser":"https:\/\/www.networkportfolio.co.uk\/edwardsinsurance.co.uk\/wp-content\/uploads\/2019\/11\/iStock-1127880186-255x170.jpg","teaser-width":255,"teaser-height":170}}}},"_links":{"self":[{"href":"https:\/\/www.networkportfolio.co.uk\/edwardsinsurance.co.uk\/wp-json\/wp\/v2\/pages\/5338"}],"collection":[{"href":"https:\/\/www.networkportfolio.co.uk\/edwardsinsurance.co.uk\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.networkportfolio.co.uk\/edwardsinsurance.co.uk\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.networkportfolio.co.uk\/edwardsinsurance.co.uk\/wp-json\/wp\/v2\/users\/18"}],"replies":[{"embeddable":true,"href":"https:\/\/www.networkportfolio.co.uk\/edwardsinsurance.co.uk\/wp-json\/wp\/v2\/comments?post=5338"}],"version-history":[{"count":22,"href":"https:\/\/www.networkportfolio.co.uk\/edwardsinsurance.co.uk\/wp-json\/wp\/v2\/pages\/5338\/revisions"}],"predecessor-version":[{"id":6498,"href":"https:\/\/www.networkportfolio.co.uk\/edwardsinsurance.co.uk\/wp-json\/wp\/v2\/pages\/5338\/revisions\/6498"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.networkportfolio.co.uk\/edwardsinsurance.co.uk\/wp-json\/wp\/v2\/media\/5348"}],"wp:attachment":[{"href":"https:\/\/www.networkportfolio.co.uk\/edwardsinsurance.co.uk\/wp-json\/wp\/v2\/media?parent=5338"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}